Please be advised you will not receive any email notification to claim/unlock/unsuspend your account or to provide any private information. Please be aware of any Phishing Scams to obtain information from you.

On Friday, August 21, 2009, ebank, Atlanta, GA was
closed by the Office of Thrift Supervision, and
the Federal Deposit Insurance Corporation (FDIC)
was named Receiver. No advance notice is given to the
public when a financial institution is closed.

The FDIC has assembled useful information regarding your relationship with
this institution. Besides a checking
account, you may have Certificates of Deposit, a car loan, a business checking
account, a commercial loan, a Social Security direct deposit, and other relationships
with the institution. The FDIC has compiled the following information,
which should answer many of your questions.

The FDIC has issued a press release
(PR-147-2009) about
the institution's closure. If you represent a media outlet and would
like information about the closure, please contact
LaJuan
Williams-Young at 1-202-898-3876.

All deposit accounts have been transferred to
Stearns Bank, N.A., St. Cloud, MN ("assuming
institution")
and will be available immediately. On Monday, August 24, 2009,
the former ebank location will reopen as a branch of
Stearns Bank, N.A.

Your transferred deposits will be separately insured from any accounts
you may already have at Stearns Bank, N.A. for six
months after the failure of ebank. Checks
that were drawn on ebank that did not
clear before the institution closed will be honored as long as there are
sufficient funds in the account. If you have questions about your account(s) transferred to the assuming bank, you may speak to an FDIC representative regarding deposit insurance by calling 1-866-934-8944.

You may withdraw your funds from any transferred
account without an early withdrawal penalty until you enter into a new deposit
agreement with Stearns Bank, N.A. as long as
the deposits are not pledged as collateral for loans. You may view more
information about Stearns Bank, N.A. by visiting their web site.

The Automated Teller Machines (ATM) and online service will remain available.

As of Monday, August 24, 2009,
you may continue to use the services to which you previously had access,
such
as
safe deposit boxes, night deposit boxes, wire services,
etc.

Your checks will be processed as usual. All outstanding checks
will be paid against your available balance(s) as if no change
had occurred. Your new bank will
contact you soon regarding any changes in the terms of your account. If
you have a problem with a merchant refusing to accept your check, please
contact your branch
office. An account representative will
clear up any confusion about the validity of your checks.

All interest accrued through Friday, August 21, 2009, will
be paid at your same rate. Stearns Bank, N.A. will
be reviewing rates. You
will be notified of any changes.

Your automatic direct deposit(s) and/or automatic withdrawal(s) will be
transferred automatically to your new bank. If
you have any questions or special requests, you may contact a representative
of your assuming institution at your
branch office.

If you had a loan with ebank, you should continue to make your payments as usual. The
terms of your loan will not change, because they are contractually agreed to
in your promissory note. Checks should be made payable as usual and sent to the same address until further
notice. If you have further questions regarding an existing loan, please contact
your loan officer.

For all questions regarding new loans and the lending policies of Stearns Bank, N.A., please contact your branch office.

If you or your company provided a service or product, leased space, furniture, or equipment to
ebank after Friday August 21, 2009 and have not been paid you do not have a claim against
ebank. Please follow your normal billing procedures by providing an invoice as instructed.

Claims against failed financial institutions occur when bills sent to the
institution remain unpaid at the time of failure. If you or your company provided
a service or product, leased space, furniture, or equipment to ebank
prior to Friday August 21, 2009 and have not been paid you may be
entitled to a claim against the bank. If you provided a product to or a service for
ebank prior to the bank's failure for which you have not been
paid and you have not received communication,
contact:

The FDIC offers a reference guide to deposit brokers acting as agents for their investor clientele. This site
outlines the FDIC's policies and procedures that must be followed by deposit brokers when filing for pass-through insurance
coverage on custodial accounts deposited in a failed FDIC Insured Institution.